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Turn Your Income Into Wealth.
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Serrari Markets provides independent financial data and educational tools. We are not fund managers and do not hold deposits. All data is provided 'as is' without warranty. Past performance does not guarantee future results. Rates and yields shown may be delayed — always verify with the fund manager. This is for informational purposes only not investment, tax, or legal advice.
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RBA-registered individual & employer pension plans compared
Comparison of RBA-registered pension products that advertise a guaranteed annual return rate.
| Provider↕ | Product↕ | Min↕ | Fee↕ | Guaranteed↕ | Access | Target↕ |
|---|---|---|---|---|---|---|
| Absa Asset Mgmt | Individual Pension Plan | No minimum | 2% | 6% | Physical | Individuals |
| Absa Asset Mgmt | Umbrella Retirement Fund | KES 20,000 | 2% | 7% | Physical | Employees |
| Britam | Individual Retirement Plan | KES 500 | 2% + 15% WHT | 13% | MyBritam App | Individuals |
| Britam | Afya Pension (Medical) | Varies | No fee | — | MyBritam App | Individuals |
| Britam | Pension Annuity | KES 600,000 | 2% | 13% | MyBritam App | Retirees |
| CPF Financial | Personal Pension | KES 500 | 2.5% | — | Physical | Individuals |
| CPF Financial | Umbrella Fund | Varies | 2.5% | — | Physical | Employees |
| ICEA Lion | Personal Pension | KES 5,000 | 2% | 10% | ICEA Portal | Individuals |
| Jubilee Insurance | Individual Pension | KES 1,000 | 2% | — | Physical | Individuals |
| NSSF | NSSF Pension | KES 2,160 | 0% | — | NSSF Portal | All employees |
| Old Mutual | Personal Pension | KES 3,000 | 2.5% | — | OM App | Individuals |
| Sanlam | Unit Trust Pension | KES 500 | 2% | 12% | Sanlam App | Individuals |
| Zamara | Individual Pension | KES 2,000 | 2% | — | Physical | Individuals |
Monthly contributions deducted from taxable income before PAYE.
Investment returns within the pension fund are fully tax-exempt.
At retirement, up to one-third of accumulated benefits paid tax-free (up to KES 600K).
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